We reached out to the Director of Health Product Sales of one of the most successful CI carriers, who told me that this was a surprise to him and his colleagues, as well. He thinks there may be some push-back from the NAIC (National Association of Insurance Commissioners) as this infringes pretty far on their own autonomy and authority.

In the event, we'll have an in-depth interview with him on the issue in the next week or so. Stay tuned.